Republicans were eager to make major changes to the bankruptcy law, which they felt made it too easy for debtors to file for bankruptcy without major repercussions. They proposed a bill that would force bankruptcy filers with more assets to file under Chapter 13, which provides those assets with less protection from creditors. Progressives felt this change benefited credit card companies alone, and that these companies should stop encouraging consumers to go into debt and start assessing credit risks more carefully. Nadler (D-NY) proposed a substitute version of the bill that would soften the means test and protect forms of income such as health insurance, child support, and alimony payments. The substitute also made it more difficult for abortion protesters to use bankruptcy as a way to avoid fines for their actions. Progressives supported the substitute as a less draconian reform, but it was voted down 128-296, with numerous Democrats crossing party lines.